RS49614B - Method of effecting cashless payments and a system for implementing the method - Google Patents

Method of effecting cashless payments and a system for implementing the method

Info

Publication number
RS49614B
RS49614B YUP-548/01A YUP54801A RS49614B RS 49614 B RS49614 B RS 49614B YU P54801 A YUP54801 A YU P54801A RS 49614 B RS49614 B RS 49614B
Authority
RS
Serbia
Prior art keywords
transaction
mobile phone
merchant
identification code
data
Prior art date
Application number
YUP-548/01A
Other languages
Serbian (sr)
Inventor
Mathias Entenmann
Original Assignee
Mobilkom Austria Aktiengesellschaft & Co.Kg.,
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Mobilkom Austria Aktiengesellschaft & Co.Kg., filed Critical Mobilkom Austria Aktiengesellschaft & Co.Kg.,
Publication of YU54801A publication Critical patent/YU54801A/en
Publication of RS49614B publication Critical patent/RS49614B/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3229—Use of the SIM of a M-device as secure element
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Telephonic Communication Services (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Telephone Function (AREA)
  • Devices For Checking Fares Or Tickets At Control Points (AREA)

Abstract

Postupak bezgotovinskog plaćanja pomoću stanice (1) trgovca, naznačene identifikacionim kodom stanice trgovca, mobilnog telefona (2) sa SIM karticom, naznačenog identifikacionim kodom koji ga identifikuje, i uređaja (3) za poređenje koji obuhvata memoriju (10) podataka za transakciju, uređaja (11) trgovca za proveru identifikacionih kodova stanica trgovaca ovlašćenih za ovaj postupak, i uređaj (12) pretplatnika za proveru identifikacionih kodova SIM kartica ovlašćenih za ovaj postupak, i koji je priključen na računovodstveni uređaj (15), naznačen time, što postupak obuhvata sledeće faze: Učitavanje svote koja treba da se isplati u stanici trgovca, prenošenje identifikacionog koda stanice trgovca i bar svote novca do uređaja za poređenje sa ovih identifikacionim kodom preko jedne linije za prnošenje podataka, proveravanje ovlašćenja stanice trgovca za ovaj postupak koristeći uređaj za proveru trgovca, Prekidanje postupka ako nema ovlašćenja, inače upisati podatke kao otvorenu transakciju u memoriju za transakciju uređaja za poređenje, Uspostavljanje veze od mobilnog telefona do uređaja za poređenje, prenošenje identifikacionog koda stanice trgovca i identifikacionog koda povezanog sa SIM karticom od mobilnog telefona do uređaja za poređenje, proveravanje ovlašćenja SIM kartice za ovaj postupak koristeći pretplatnikov uređaj za proveru, prekidanje postupka ako nema ovlašćenja, brisanje otvorene transakcije iz memorije za transakciju i prenošenje odgovarajućih podataka do stanice trgovca, inače upoređivanje identifikacionog koda stanice trgovca unetog iz mobilnog telefona sa onim iz otvorene transakcije pohranjene u memoriji za transakcije i u slučaju da se ne nađe takva transakcija prekidanje procesa, a kod nalaženja procesa, unošenje podataka o transakciji do mobilnog telefona, unošenje podataka preko mobilnog telefona, zahtevanje informacije o odobrenju preko mobilnog telefona, prenošenje podataka o odobrenju do uređaja za poređenje, prekidanje transakcije i brisanje transakcije iz memorije za transakcije ako podaci o odobrenju odgovaraju odbijanju, a u alternativnom slučaju prenošenje podataka za transakciju iz memorije za transakcije i identifikacionog koda mobilnog telefona do nekog knjigovodstvenog uređaja i brisanje transakcije iz memorije za transakcije. Prijava sadrži još 1 nezavisan i 20 zavisnih patentnih zahteva.A cashless payment process using a merchant station (1), indicated by the merchant station identification code, a mobile phone (2) with a SIM card, identifying it, and a comparison device (3) comprising the transaction data memory (10) of the device (11) a merchant for checking the identification codes of the merchants' stations authorized for this procedure, and a device (12) for subscribers to verify the identification codes of the SIM cards authorized for this procedure, and connected to the accounting device (15), characterized in that the process comprises the following phases: Loading the amount to be paid at the merchant station, transferring the merchant station identification code and at least the sum of money to the device for comparison with these identification code via one data line, checking the merchant station authorization for this process using the merchant checking device, Termination of proceedings if there is no authority, otherwise enter p data as an open transaction into the transaction memory of the comparison device, Establishing a connection from the mobile phone to the comparison device, transferring the merchant station identification code and identification code associated with the SIM card from the mobile phone to the comparison device, checking the SIM card authorization for this procedure using subscriber's checking device, discontinuation if unauthorized, deletion of an open transaction from the transaction memory and transfer of relevant data to the merchant station, otherwise comparison of the merchant station identification code entered from a mobile phone with that of an open transaction stored in the transaction memory and if does not find such a transaction interrupting the process, and when ordering the process, entering the transaction data to the mobile phone, entering the data via the mobile phone, requesting approval information via the mobile phone, transmitting the approval information to the comparing, interrupting, and deleting a transaction from the transaction memory if the approval information corresponds to the rejection, otherwise transferring the transaction data from the transaction memory and mobile phone code to a bookkeeping device and deleting the transaction from the transaction memory. The application contains 1 more independent and 20 dependent patent claims.

YUP-548/01A 1999-02-02 2000-02-01 Method of effecting cashless payments and a system for implementing the method RS49614B (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE19903822A DE19903822C2 (en) 1999-02-02 1999-02-02 Procedure for making cashless payments and system for performing the procedure

Publications (2)

Publication Number Publication Date
YU54801A YU54801A (en) 2003-01-31
RS49614B true RS49614B (en) 2007-08-03

Family

ID=7895963

Family Applications (1)

Application Number Title Priority Date Filing Date
YUP-548/01A RS49614B (en) 1999-02-02 2000-02-01 Method of effecting cashless payments and a system for implementing the method

Country Status (20)

Country Link
EP (1) EP1149367A1 (en)
JP (1) JP2002541535A (en)
KR (1) KR20010108166A (en)
CN (1) CN1204535C (en)
AU (1) AU2800400A (en)
BR (1) BR0007964A (en)
CA (1) CA2361489A1 (en)
CZ (1) CZ301247B6 (en)
DE (1) DE19903822C2 (en)
HR (1) HRP20010568B1 (en)
HU (1) HU227291B1 (en)
IL (1) IL144571A0 (en)
ME (1) ME01248B (en)
MX (1) MXPA01007779A (en)
NO (1) NO20013777L (en)
RS (1) RS49614B (en)
RU (1) RU2242795C2 (en)
TR (1) TR200102216T2 (en)
WO (1) WO2000046768A1 (en)
ZA (1) ZA200105872B (en)

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Also Published As

Publication number Publication date
NO20013777L (en) 2001-09-27
MXPA01007779A (en) 2003-07-14
ME01248B (en) 2007-08-03
CZ301247B6 (en) 2009-12-16
ZA200105872B (en) 2002-09-10
NO20013777D0 (en) 2001-08-01
KR20010108166A (en) 2001-12-07
JP2002541535A (en) 2002-12-03
HRP20010568A2 (en) 2002-08-31
TR200102216T2 (en) 2002-01-21
HU227291B1 (en) 2011-02-28
RU2242795C2 (en) 2004-12-20
CZ20012663A3 (en) 2002-02-13
EP1149367A1 (en) 2001-10-31
YU54801A (en) 2003-01-31
AU2800400A (en) 2000-08-25
BR0007964A (en) 2001-11-06
DE19903822A1 (en) 2000-08-10
CN1339146A (en) 2002-03-06
CA2361489A1 (en) 2000-08-10
IL144571A0 (en) 2002-05-23
CN1204535C (en) 2005-06-01
HRP20010568B1 (en) 2011-10-31
DE19903822C2 (en) 2001-09-20
HUP0105475A2 (en) 2002-04-29
WO2000046768A1 (en) 2000-08-10

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